LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,646
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$2,106/mo
Today · 4.125%
HK$70,825
baseline
▲ 0.50% · 4.625%
HK$75,135
+HK$4,310/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$141,650/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,143
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$76,131
−HK$2,017/mo
Today · 4.125%
HK$78,148
baseline
▲ 0.50% · 4.625%
HK$82,268
+HK$4,120/mo
Deposit HK$14.61M · loan HK$14.61M · min. income ≈ HK$156,296/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,975
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,527/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$90,162
+HK$5,172/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,971
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,358
−HK$2,420/mo
Today · 4.125%
HK$93,778
baseline
▲ 0.50% · 4.625%
HK$98,721
+HK$4,943/mo
Deposit HK$11.69M · loan HK$17.54M · min. income ≈ HK$187,556/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,304
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,949/mo
Today · 4.125%
HK$99,155
baseline
▲ 0.50% · 4.625%
HK$105,188
+HK$6,033/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$198,310/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,800
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$106,584
−HK$2,824/mo
Today · 4.125%
HK$109,408
baseline
▲ 0.50% · 4.625%
HK$115,175
+HK$5,767/mo
Deposit HK$8.77M · loan HK$20.46M · min. income ≈ HK$218,816/mo (50% DSR)
Upfront cash ≈ HK$10.01M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,962
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$123,694
−HK$3,791/mo
Today · 4.125%
HK$127,485
baseline
▲ 0.50% · 4.625%
HK$135,242
+HK$7,757/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$254,970/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,457
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$137,036
−HK$3,631/mo
Today · 4.125%
HK$140,667
baseline
▲ 0.50% · 4.625%
HK$148,082
+HK$7,415/mo
Deposit HK$2.92M · loan HK$26.30M · min. income ≈ HK$281,334/mo (50% DSR)
Upfront cash ≈ HK$4.16M (deposit + AVD stamp duty HK$1,242,162 · Scale 2, in force from 26 Feb 2026)